Rent vs. Buy in Franklin County, ME

Should you rent or buy in Franklin County? Here are the numbers.

Median Home Price

$170,600

Median Rent

$752/mo

Price-to-Rent Ratio

18.9x

Homeownership Rate

75.7%

Monthly Cost Comparison

Buying (20% down, 6.5% rate)

Mortgage (P&I)$863
Property Tax$162
Insurance$57

Total Monthly$1,082

Renting

Monthly Rent$752
Renter's Insurance$25

Total Monthly$777

In Franklin County, buying costs approximately $330/mo more than renting. This doesn't account for equity buildup, tax deductions, or home appreciation.

About Franklin County, Maine

Franklin County in Maine has a median household income of $56,890 and an effective property tax rate of 1.1%. With a price-to-rent ratio of 18.9x, the rent-vs-buy decision is nuanced and depends on your timeline.

These are starting estimates based on county-level medians. Your actual costs depend on the specific property, your credit score, down payment, and dozens of other variables. Our Monte Carlo simulation models 10,000 scenarios to give you probability-weighted answers, not single-point estimates.

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Enter your specific numbers — home price, rent, income, down payment — and get a Monte Carlo simulation with 10,000 scenarios, NPV breakeven analysis, and tax-adjusted comparison.

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Other Counties in Maine

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Bureau of Labor Statistics, Federal Housing Finance Agency. Estimates are based on county-level medians and may not reflect specific neighborhoods or property types. This is not financial advice — consult a licensed professional before making housing decisions.